Search found 2414 matches

by Munir
Mon Aug 06, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2516

Re: Medical expenses while on Medicare

Our financial adviser generated a retirement report and it showed that we should allow $12,233 for medical expenses once we both go on Medicare in roughly 12 years. Does the $12,233 sound reasonable? Thanks. My wife and I are on Medicare and our total medical expenses are $20,000/year now but we li...
by Munir
Sun Aug 05, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2516

Re: Medical expenses while on Medicare

Our financial adviser generated a retirement report and it showed that we should allow $12,233 for medical expenses once we both go on Medicare in roughly 12 years. Does the $12,233 sound reasonable? Thanks. Is the $12,233 per individual or per couple? Does it include Medicare, Medicare Advantage, ...
by Munir
Sat Aug 04, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2516

Re: Medical expenses while on Medicare

Our financial adviser generated a retirement report and it showed that we should allow $12,233 for medical expenses once we both go on Medicare in roughly 12 years. Does the $12,233 sound reasonable? Thanks. My wife and I are on Medicare and our total medical expenses are $20,000/year now but we li...
by Munir
Tue Jul 31, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Matter-scatter, part 4: Bond allocation
Replies: 8
Views: 1418

Re: Matter-scatter, part 4: Bond allocation

nisiprius,
Can you please describe and analyze your graphs and conclusions in "plain" language that novices like me can understand?
Thank you.
by Munir
Sun Jul 29, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Diversification
Replies: 22
Views: 1589

Re: Bond Diversification

A number of Bogleheads- including Jack Bogle, are not so sure that international bonds are worth owning.
by Munir
Thu Jul 12, 2018 1:47 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5141

Re: [Considering the Vanguard LifeStrategy Fund]

Wellesley Income and Wellington are viable alternatives to comparable Life Strategy funds. As the following data indicates, Wellesley Income and Wellington have had superior performance. Accumulative Percent Performance For 10 Year Period Ending June 30, 2018 VWINX - Wellesley Income (37% stocks / ...
by Munir
Sun Jun 17, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: Our interview with Taylor Larimore
Replies: 17
Views: 3854

Re: Our interview with Taylor Larimore

Taylor is not only an astute investor with great knowledge, but he is a true gentleman who has never made a rude comment about any other poster and treats all patiently and kindly. Thank you, Taylor, for being you.
by Munir
Tue May 29, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA - inflation adjusted or not?
Replies: 12
Views: 1521

Re: SPIA - inflation adjusted or not?

Doesn't it depend on one's age when they purchase the SPIA? If one is under 75, an inflation-adjusted annuity is probably worthwhile. Above 75, and especially above 80, it's not. Special circumstances that may shorten one's life expectancy can change the picture. I remember a post by Taylor describi...
by Munir
Sun May 27, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund choice in 401K has 0.43% expense ratio
Replies: 7
Views: 513

Re: Bond fund choice in 401K has 0.43% expense ratio

My total portfolio is 30% equities and 70% fixed income (59% bond funds and 11% reserves). DODIX is 13% of my total portfolio. 67% of my total portfolio is in Vanguard Target Retirement 2015 (VTXVX). DODIX's relative short duration (4.2 years) and performance compared to other intermediate bond fund...
by Munir
Fri May 25, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 11067

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Am I the only one here that is annoyed with Vxxxx ticker symbols that are never identified by OP's? I am also annoyed that this poor habit persists in spite of multiple requests to include the full name once in a posting before resorting to acronyms. I usually stop reading posts that do not follow ...
by Munir
Fri May 25, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 115
Views: 28940

Re: Vanguard opens special offices for $1 million clients

Btw have any of these offices actually opened yet? I will re-iterate the above question....... Have these offices opened and has anyone had any experience with one? As stated previously in this thread, these offices already exist https://www.vanguardjobs.com/locations/ :beer Three office on the Eas...
by Munir
Thu May 24, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Can I join AARP and turn off all snail mail from them ?
Replies: 13
Views: 1973

Re: Can I join AARP and turn off all snail mail from them ?

spectec wrote:
Thu May 24, 2018 7:13 am
Since you're in the middle of this decision, you could also forget AARP and consider AMAC as a better alternative.

https://amac.us
Why is AMAC a better alternative? Personally, I'm very happy with AARP.
by Munir
Fri May 18, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 26
Views: 3442

Re: more rotten service from Vanguard

Used the voice identification system and when I got the rep she claimed I had to go through the system again; this is the second time there alleged system designed to speed things up hasn't worked do you know that if you ACH money from Vanguard to your bank it's available once the funds hit your ba...
by Munir
Fri May 18, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: No Need For Corp Bonds?
Replies: 38
Views: 4106

Re: Larry Swedroe: No Need For Corp Bonds?

If nisiprius and dbr agree on something, it would be difficult for anyone to dissuade me otherwise. Have Vanguard intermediate bond funds ever suffered from bond defaults in a significant fashion? If you go to page 15 in this document: https://www.nber.org/papers/w15848 You can see there have been ...
by Munir
Fri May 18, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: No Need For Corp Bonds?
Replies: 38
Views: 4106

Re: Larry Swedroe: No Need For Corp Bonds?

If nisiprius and dbr agree on something, it would be difficult for anyone to dissuade me otherwise.

Have Vanguard intermediate bond funds ever suffered from bond defaults in a significant fashion?
by Munir
Tue May 08, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Do you know anyone unhappy in a CCRC?
Replies: 41
Views: 4881

Re: Do you know anyone unhappy in a CCRC?

Be prepared for loss of autonomy- much bigger deal than one imagines beforehand.

The management mostly cares about the bottom line. Try and organize the residents to be more involved in management -which mangement will resist.
by Munir
Sun May 06, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Point of Indifference vs. Principle Recovery
Replies: 57
Views: 5253

Re: Bond Fund Point of Indifference vs. Principle Recovery

I would add that it is important to understand the benefit to long term investors of getting higher interest rates, even if there is a continuing increase in rates. For most people here, investing for lifetimes, this hysteria that develops over "increasing interest rate environment" and "recovering...
by Munir
Sun May 06, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Point of Indifference vs. Principle Recovery
Replies: 57
Views: 5253

Re: Bond Fund Point of Indifference vs. Principle Recovery

Kevin, Your explanation and analysis is OUTSTANDING. Regarding the “point of indifference”, I actually wanted to bring that up as I’ve seen a number of posts recently discussing duration as related to “recovery of principle” or “break even point” (although break even can be interpreted a few ways)....
by Munir
Fri May 04, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target retirement funds
Replies: 28
Views: 4028

Re: Vanguard Target retirement funds

Thanks everybody. I just read a yahoo article where Buffet says not to do TDR funds and he suggests investors use 90% of their funds on S&P 500 index fund (VOO) and 10% low cost Government bonds like VGSH and or VFIR. I'm thoroughly confused. :confused Thanks for the replies everybody it helps. One...
by Munir
Fri May 04, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target retirement funds
Replies: 28
Views: 4028

Re: Vanguard Target retirement funds

Tyler Aspect wrote:
Fri May 04, 2018 2:43 pm
Adding a target retirement fund when you already have a Three Funds portfolio just muddies the water in my opinion. Target retirement funds are intended to be your first fund that someday you can graduate out of it.
Or graduate into Target Retirement Funds when you get to be 80 years old.
by Munir
Fri Apr 13, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: 529--Can you change plan-holder?
Replies: 6
Views: 490

Re: 529--Can you change plan-holder?

You should be able to easily transfer ownership of a 529 (where you are the owner and the granddaughter the beneficiary) to your daughter (the mother of the beneficiary). Check with the administrators of the plan for the details. A friend of mine just did that. According to literature I've read, it ...
by Munir
Tue Apr 10, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: VSCGX (L.S.Growth) vs. VTSVX (TR 2015)- Compare
Replies: 2
Views: 432

VSCGX (L.S.Growth) vs. VTSVX (TR 2015)- Compare

Comparison of VSCGX (LifeStrategy Conservative Growth Fund) and VTXVX (Target Retirement 2015 Fund) as a sole holding for a Traditional IRA of a retiree in the distribution phase show many similarities and just a couple of differences. The VSCGX has a slightly longer duration (6.3 vs. 5.85) and a cr...
by Munir
Sat Apr 07, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 4068

Re: Vanguard Customer Service

MO MAN wrote:
Fri Apr 06, 2018 1:49 pm
I have been with Vanguard almost a year, with many transfers and piles of paperwork. Everyone has been very professional and extremely helpful. Never had a bad call yet. Strange to hear you guys are having trouble.
Been with Vanguard for decades and never had any phone wait periods (Flagship).
by Munir
Sat Apr 07, 2018 8:28 am
Forum: Investing - Theory, News & General
Topic: WSJ article on Vanguard snafoos - Should Bogleheads.org get involved?
Replies: 23
Views: 3336

Re: WSJ article on Vanguard snafoos - Should Boglehead.org get involved?

There have been extensive discussions of this article on our forum and many of us are critical of the article's methodology and conclusions. I assume Vanguard is well-aware of these discussions and don't need us looking over their shoulder telling them what to do. However, it would be helpful to see...
by Munir
Fri Apr 06, 2018 11:06 am
Forum: Forum Issues and Administration
Topic: New Board Index Topic - Retirement Planning
Replies: 51
Views: 7869

More Attention To Retirees' Portfolios

[Thread merged into here, see below. --admin LadyGeek] I am disappointed that most of the threads and discussions on this forum relate primarily to those investors in the accumulation phase. Comments center more on the 60/40 or 100/0 allocations and everything in between. Retirees with less that 40...
by Munir
Fri Apr 06, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 17232

Re: Swedroe: Look Beyond 60/40 Portfolio

I am disappointed that most of the threads and discussions on this forum relate primarily to those investors in the accumulation phase. Comments center more on the 60/40 or 100/0 allocations and everything in between. Retirees with less that 40% equity holdings get short shrift and usually are menti...
by Munir
Mon Apr 02, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 4068

Re: Vanguard Customer Service

I meant Flagship not Admiral; I had a question about IRS Form 5500 which refers to a form that has to filed for self-retirement accounts. And yes I was sent to a flagship rep. My personal rep is utterly incompetent and his supervisor is even worse. (I didn't deal with my personal rep on this matter...
by Munir
Mon Apr 02, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 4068

Re: Vanguard Customer Service

oner wrote:
Mon Apr 02, 2018 7:45 pm
Yes there are separate numbers but unfortunately you get sent to your rep (at least if you're an Admiral member).
Can you tell us in general terms what kind of question you are asking while maintaining confidentiality?
by Munir
Mon Apr 02, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 4068

Re: Vanguard Customer Service

Doesn't the retirement department have a separate phone line listed on their web site that you can call directly? They provide different phone numbers depending on your age. https://investor.vanguard.com/investing/advice-guidance. Excuse my ignorance if you have already done that.
by Munir
Sun Apr 01, 2018 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 50
Views: 5239

Re: Customer Service with Vanguard

I have been with Vanguard for over 30 years and will stay with it till I die. There will always be some people who have legitimate problems with any organization and some people who are chronic complainers and never happy. It would be informative to see some hard data instead of just anecdotal compl...
by Munir
Fri Mar 30, 2018 1:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 8274

Re: Vanguard in the WSJ today

conspiracy to drag down vanguard and shift business away from them??? Gripes about Vanguard's interface and customer service are well-known on this forum. Could it be that those who post are mostly the individuals who have had a bad experience? It does not tell us anything about the statistics for ...
by Munir
Fri Mar 30, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Medicare - now or later?
Replies: 20
Views: 1895

Re: Applying for Medicare - now or later?

The conventional wisdom a number of years ago was that it was strongly advised that you sign up for both parts when you reach 65- especially part B. It becomes more expensive to sign up for part B later on for the rest of your life. I suggest you call your local Social Security office, or visit them...
by Munir
Thu Mar 29, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 8274

Re: Vanguard in the WSJ today

Many,if not most, of the comments at the end of the article praise Vanguard and consider the number of complaints relative to the total number of Vanguard clients and the total amount of $ Vanguard holds all to be minimal. Tempest in a teacup. The article has been on the front page of today's WSJ di...
by Munir
Thu Mar 22, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation %
Replies: 13
Views: 1355

Re: Asset allocation %

Unless 20% or more of stocks are international, you're probably better off sticking with an all US stock portfolio. Why? Think cost/benefit. The benefit is that more asset classes you have the more you can fine tune your plan. The cost is greater complex your plan is. Complex costs time and is aski...
by Munir
Thu Mar 22, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation %
Replies: 13
Views: 1355

Re: Asset allocation %

UpperNwGuy wrote:
Thu Mar 22, 2018 7:26 am
Unless 20% or more of stocks are international, you're probably better off sticking with an all US stock portfolio.
Why?
by Munir
Thu Mar 22, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 25852

Re: Anyone Deleting Facebook?

I use it to keep track of my children and grandchildren's activities and photos.
by Munir
Thu Mar 15, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3654
Views: 1038731

Re: What Movie Have You Recently Watched?

"Lady Bird" was somewhat entertaining but when it was over, we asked ourselves what was that about? Again, just like the "Billboard ...." film I felt it was over-hyped. Maybe I'm getting too old and cynical. The Churchill film, "Darkest Hour" on Netflix, was very well-done and lived up to its good r...
by Munir
Thu Mar 15, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3654
Views: 1038731

Re: What Movie Have You Recently Watched?

We recently saw the best movie of the year...Three Billboards outside Ebbing Missouri. Frances McDormand (oscar winner 20 years ago for fargo) is wonderful as the grieving,driven, crazed mother of a teenage daughter who had been raped and murdered in this small town. Buys space on billboards when p...
by Munir
Wed Mar 14, 2018 1:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 138
Views: 42414

Re: Master Thread for Portland, Oregon

pdxbogleheads wrote:
Mon Mar 12, 2018 4:57 pm
Reminder of meeting tomorrow (info above).
How did the meeting go? Can someone provide a concise summary of what was discussed and how many people usually attend? Thanks.
by Munir
Mon Mar 12, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 66
Views: 5933

Re: Men's Cologne

Old Spice (Classic) Aftershave. Have used it since I started shaving about 60 years ago.
by Munir
Sat Mar 03, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active Fails In Fixed Income
Replies: 25
Views: 3100

Re: Larry Swedroe: Active Fails In Fixed Income

The Vanguard Tax-Exempt "active" funds are hard to really describe as active, as they have miniscule turnover, sometimes lower even than the Muni Index, and they have twice as many holdings. At most, by their behavior, they do a bit of yield curve positioning, but are still closet index funds. How ...
by Munir
Tue Feb 27, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 9203

Re: "Bogleheads.org" by Kristine Hayes"

Using abbreviations and acronyms sometimes becomes a sign of being part of the "in crowd". There is an element of arrogance and showing off just like a kid learning how to ride a bike and saying "Look Ma- no hands".
by Munir
Mon Feb 26, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market [how to allocate bond portion of AA]
Replies: 23
Views: 3084

Re: Total Bond Market [how to allocate bond portion of AA]

Hello all. I am newly registered and this is my first post. I got rid of my FA about 3 years ago, and wish I would have done it much earlier. I have read many books including most all of William Bernstein's, and I am a fan of this site. Thank you to all of you that contribute to this site, because ...
by Munir
Thu Feb 15, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Used car - warranty or no?
Replies: 24
Views: 1166

Re: Used car - warranty or no?

Excuse my ignorance but what is the difference between a warranty and CPO?
by Munir
Thu Feb 15, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra- Used car
Replies: 3
Views: 342

Hyundai Elantra- Used car

I am considering buying a used Hyundai Elantra sedan (2013-2017 ?) for my 16 year old granddaughter but am not sure which year model is preferred. For safety, I want a rear view camera included. Any opinions?
by Munir
Thu Feb 08, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond
Replies: 10
Views: 1488

Re: Total Bond

Corporate bonds, emerging market, and long term bonds might return more but the mantra is to not take your risk on the bond side. There are different degrees of risk. Comparing taking risk in equity investments to corporate bond investment is ridiculous. A moderate ownership of quality corporate bo...
by Munir
Mon Feb 05, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 49306

Re: Today was a Really Bad Day

triceratop wrote:
Mon Feb 05, 2018 4:34 pm
RBDs always remind me of: But you ain't bonafide!
+++. Hit the spot.
by Munir
Thu Feb 01, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: WSJ: Advisers at Schwab, Fidelity, and TD Pushing Products
Replies: 12
Views: 1648

Re: WSJ: Advisers at Schwab, Fidelity, and TD Pushing Products

...Even Bogleheads do not give impartial advice... No, but the bias is right there in the banner, and with me and most of us the source of bias is ego rather than personal profit. There are obvious systematic institutional biases. What is probably worse than brand bias is just the "tool bias." Mutu...
by Munir
Thu Feb 01, 2018 12:09 am
Forum: Investing - Help with Personal Investments
Topic: When are taxes due on money moved from traditional IRA to Roth?
Replies: 6
Views: 878

Re: When are taxes due on money moved from traditional IRA to Roth?

Thank you for the two informed responses. They are appreciated.
by Munir
Wed Jan 31, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active Bond Funds No Better
Replies: 6
Views: 1286

Re: Larry Swedroe: Active Bond Funds No Better

Would Larry's (or the study's author's) definition of active bond funds include Vanguard funds such Intermediate Investment Grade (VFIDX) and the Core Bond Fund (VCOBX)? I wonder how they compare with their passive index counterparts.